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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Equities 002824100   916,668 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   786,414 6,919 SH   SOLE   6,894 0 25
ABBVIE INC Equities 00287Y109   1,464,084 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   1,050,535 5,769 SH   SOLE   5,735 0 34
ACCENTURE PLC A Equities G1151C101   506,051 1,460 SH   SOLE   1,460 0 0
ADOBE INC Equities 00724F101   5,046 10 SH   DFND   10 0 0
ADOBE INC Equities 00724F101   337,073 668 SH   SOLE   665 0 3
ALPHABET INC CAP STK CLASS C Equities 02079K107   7,308 48 SH   DFND   48 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   1,317,658 8,654 SH   SOLE   8,607 0 47
ALPHABET INC CLASS A Equities 02079K305   12,074 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   930,333 6,164 SH   SOLE   6,117 0 47
AMAZON.COM INC Equities 023135106   19,120 106 SH   DFND   106 0 0
AMAZON.COM INC Equities 023135106   1,618,189 8,971 SH   SOLE   8,926 0 45
AMERICAN EXPRESS COMMON Equities 025816109   540,764 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   322,181 1,415 SH   SOLE   1,415 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   221,851 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   267,010 609 SH   SOLE   602 0 7
AMGEN INC Equities 031162100   227,456 800 SH   SOLE   800 0 0
ANALOG DEVICES INC Equities 032654105   229,634 1,161 SH   SOLE   1,161 0 0
AON PLC Equities G0403H108   529,947 1,588 SH   SOLE   1,588 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   391,663 3,483 SH   SOLE   3,483 0 0
APPLE INC COMMON Equities 037833100   24,350 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   3,075,322 17,934 SH   SOLE   17,848 0 86
APPLIED MATERIALS INC Equities 038222105   471,854 2,288 SH   SOLE   2,288 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105   262,252 2,837 SH   SOLE   2,837 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   81,566,385 1,298,621 SH   SOLE   1,298,621 0 0
AT&T INC Equities 00206R102   9,627 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   291,139 16,542 SH   SOLE   16,407 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   99,896 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   694,277 2,780 SH   SOLE   2,780 0 0
BANK AMER CORP COMMON Equities 060505104   422,315 11,137 SH   SOLE   11,137 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   881,830 2,097 SH   SOLE   2,097 0 0
BROADCOM INC Equities 11135F101   6,627 5 SH   DFND   5 0 0
BROADCOM INC Equities 11135F101   528,839 399 SH   SOLE   394 0 5
CAPITAL ONE FINL CORP COMMON Equities 14040H105   402,003 2,700 SH   SOLE   2,700 0 0
CATERPILLAR INC. Equities 149123101   9,161 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   338,215 923 SH   SOLE   912 0 11
CHEVRON CORP Equities 166764100   512,340 3,248 SH   SOLE   3,241 0 7
CHUBB LIMITED COM NPV Equities H1467J104   217,410 839 SH   SOLE   839 0 0
CINTAS CORP Equities 172908105   229,468 334 SH   SOLE   334 0 0
CISCO SYSTEMS INC Equities 17275R102   142,643 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   688,908 13,803 SH   SOLE   13,702 0 101
COCA-COLA CO Equities 191216100   795,340 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   827,827 13,531 SH   SOLE   13,531 0 0
COMCAST CORP NEW CL A Equities 20030N101   273,669 6,313 SH   SOLE   6,313 0 0
CONOCOPHILLIPS Equities 20825C104   220,449 1,732 SH   SOLE   1,732 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   9,524 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   353,128 482 SH   SOLE   476 0 6
DANAHER CORP COMMON Equities 235851102   344,364 1,379 SH   SOLE   1,379 0 0
DELL TECHNOLOGIES INC Equities 24703L202   425,744 3,731 SH   SOLE   3,731 0 0
EATON CORP PLC Equities G29183103   437,439 1,399 SH   SOLE   1,389 0 10
EXXON MOBIL CORP Equities 30231G102   1,336,760 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   1,263,296 10,868 SH   SOLE   10,868 0 0
FAIR ISAAC CORP Equities 303250104   206,186 165 SH   SOLE   165 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   298,660 6,850 SH   DFND   6,850 0 0
GE AEROSPACE Equities 369604301   394,943 2,250 SH   DFND   2,250 0 0
GE AEROSPACE Equities 369604301   553,622 3,154 SH   SOLE   3,154 0 0
HUBBELL INC NPV Equities 443510607   1,048,001 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   5,654 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   1,051,246 23,800 SH   SOLE   23,714 0 86
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   281,319 2,047 SH   SOLE   2,047 0 0
INTUIT Equities 461202103   227,500 350 SH   SOLE   350 0 0
INVESCO AC VAR ETF Equities 46090A879   262,893 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   13,034,707 519,518 SH   SOLE   516,001 0 3,517
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   416,481 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   754,932 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,488,932 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   370,436 7,179 SH   SOLE   7,179 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,963,076 3,734 SH   SOLE   3,734 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   831,774 7,526 SH   DFND   7,526 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   16,481,848 149,130 SH   SOLE   148,732 0 398
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   675,394 6,896 SH   DFND   6,896 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   40,718,555 415,750 SH   SOLE   413,396 0 2,354
ISHARES GLBL MAT ETF Equities 464288695   273,490 3,058 SH   SOLE   3,058 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   240,740 1,434 SH   SOLE   1,434 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,402,938 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   69,478 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   1,090,089 13,650 SH   SOLE   13,650 0 0
ISHARES MSCI EMERG Equities 464287234   31,755 773 SH   DFND   773 0 0
ISHARES MSCI EMERG Equities 464287234   470,489 11,453 SH   SOLE   11,453 0 0
ISHARES RUSSELL 2000 Equities 464287655   87,905 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,871,460 8,899 SH   SOLE   8,899 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   67,552 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   308,037 3,648 SH   SOLE   3,648 0 0
ISHARES S&P GLO INDS Equities 464288729   642,574 4,600 SH   SOLE   4,600 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   665,435 8,895 SH   SOLE   8,895 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   301,518 3,480 SH   SOLE   3,480 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   196,402 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   171,788 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI Equities 464288257   1,601,290 14,540 SH   SOLE   14,540 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   430,039 7,080 SH   SOLE   7,080 0 0
ISHS INTL SEL DV ETF Equities 464288448   377,418 13,460 SH   DFND   13,460 0 0
ISHS INTL SEL DV ETF Equities 464288448   2,308,000 82,311 SH   SOLE   76,153 0 6,158
JOHNSON & JOHNSON Equities 478160104   955,151 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   698,883 4,418 SH   SOLE   4,403 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   503,820 10,580 SH   DFND   10,580 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   12,027,383 252,570 SH   SOLE   251,483 0 1,087
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   207,602 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   182,125 3,610 SH   SOLE   3,610 0 0
JPMORGAN CHASE & CO Equities 46625H100   5,809 29 SH   DFND   29 0 0
JPMORGAN CHASE & CO Equities 46625H100   1,354,429 6,762 SH   SOLE   6,748 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   659,316 12,994 SH   DFND   12,994 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   9,046,333 178,288 SH   SOLE   178,288 0 0
KINDER MORGAN INC DEL COMMON Equities 49456B101   204,088 11,128 SH   SOLE   11,128 0 0
KROGER CO Equities 501044101   602,322 10,543 SH   SOLE   10,543 0 0
LILLY ELI & COMMON Equities 532457108   5,446 7 SH   DFND   7 0 0
LILLY ELI & COMMON Equities 532457108   1,369,210 1,760 SH   SOLE   1,752 0 8
LOWES COS INC COMMON Equities 548661107   25,473 100 SH   DFND   100 0 0
LOWES COS INC COMMON Equities 548661107   238,937 938 SH   SOLE   938 0 0
MARSH & MCLENNAN COS INC Equities 571748102   210,100 1,020 SH   SOLE   1,020 0 0
MASTERCARD CL A Equities 57636Q104   7,224 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   740,655 1,538 SH   SOLE   1,538 0 0
MCDONALDS CORP COMMON Equities 580135101   284,488 1,009 SH   SOLE   1,009 0 0
MERCK & CO INC NEW Equities 58933Y105   801,596 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,259,727 9,547 SH   SOLE   9,523 0 24
META PLATFORMS INC. Equities 30303M102   7,769 16 SH   DFND   16 0 0
META PLATFORMS INC. Equities 30303M102   1,414,009 2,912 SH   SOLE   2,904 0 8
METLIFE INC COMMON Equities 59156R108   231,890 3,129 SH   SOLE   3,129 0 0
MICROSOFT CORP Equities 594918104   56,376 134 SH   DFND   134 0 0
MICROSOFT CORP Equities 594918104   3,279,933 7,796 SH   SOLE   7,754 0 42
MOODYS CORP Equities 615369105   344,294 876 SH   SOLE   876 0 0
NETFLIX INC COMMON Equities 64110L106   294,555 485 SH   SOLE   485 0 0
NEXTERA ENERGY INC Equities 65339F101   258,388 4,043 SH   SOLE   4,043 0 0
NVIDIA CORP Equities 67066G104   16,264 18 SH   DFND   18 0 0
NVIDIA CORP Equities 67066G104   1,799,892 1,992 SH   SOLE   1,977 0 15
ORACLE CORP Equities 68389X105   125,610 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   369,670 2,943 SH   SOLE   2,943 0 0
PAYCHEX COMMON Equities 704326107   6,263 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   245,477 1,999 SH   SOLE   1,978 0 21
PEPSICO INC Equities 713448108   418,624 2,392 SH   SOLE   2,392 0 0
PFIZER INC Equities 717081103   109,335 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   142,191 5,124 SH   SOLE   5,124 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   9,162 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   209,810 2,290 SH   SOLE   2,290 0 0
PROCTER & GAMBLE CO Equities 742718109   17,712,346 109,167 SH   SOLE   109,167 0 0
PRUDENTIAL FINL INC Equities 744320102   8,101 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   315,689 2,689 SH   SOLE   2,665 0 24
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   455,270 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   110,501 1,133 SH   SOLE   1,133 0 0
S&P GLOBAL INC COM Equities 78409V104   510,540 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   236,550 556 SH   SOLE   556 0 0
SALESFORCE INC Equities 79466L302   9,638 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   764,997 2,540 SH   SOLE   2,531 0 9
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   222,297 2,757 SH   SOLE   2,757 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   210,234 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   1,914,173 75,899 SH   SOLE   72,893 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   102,860 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   152,233 740 SH   SOLE   740 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   595,777 1,139 SH   DFND   1,139 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   18,193,421 34,782 SH   SOLE   34,782 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   89,024 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,745,427 3,137 SH   SOLE   3,122 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   864,452 18,222 SH   SOLE   18,222 0 0
STRYKER CORP Equities 863667101   200,765 561 SH   SOLE   561 0 0
SYNOPSYS INC Equities 871607107   224,028 392 SH   SOLE   392 0 0
TARGET CORP Equities 87612E106   875,595 4,941 SH   SOLE   4,941 0 0
TECH SELECT SEC SPDR Equities 81369Y803   52,068 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   1,041,975 5,003 SH   SOLE   5,003 0 0
TESLA MTRS INC Equities 88160R101   4,922 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   430,861 2,451 SH   SOLE   2,440 0 11
THE HOME DEPOT INC Equities 437076102   11,124 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   715,414 1,865 SH   SOLE   1,857 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,812 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   380,693 655 SH   SOLE   650 0 5
UNION PACIFIC CORP Equities 907818108   1,180,464 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   190,104 773 SH   SOLE   773 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   8,410 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   726,220 1,468 SH   SOLE   1,463 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   326,265 7,811 SH   DFND   7,811 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,842,975 235,647 SH   SOLE   235,135 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   362,047 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   37,508 214 SH   DFND   214 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   648,324 3,699 SH   SOLE   3,699 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   2,224,973 9,280 SH   DFND   9,280 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   29,323,847 122,305 SH   SOLE   122,305 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,243,908 44,346 SH   DFND   44,346 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   36,199,240 715,400 SH   SOLE   715,400 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,787,051 29,636 SH   DFND   29,636 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   63,604,681 1,054,804 SH   SOLE   1,054,804 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   241,899 5,765 SH   SOLE   5,765 0 0
VISA COMMON CL A Equities 92826C839   13,396 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   840,031 3,010 SH   SOLE   2,988 0 22
VULCAN MATERIALS CO Equities 929160109   201,142 737 SH   SOLE   737 0 0
WAL-MART STORES COMMON Equities 931142103   388,638 6,459 SH   SOLE   6,459 0 0
WALT DISNEY COMMON Equities 254687106   7,953 65 SH   DFND   65 0 0
WALT DISNEY COMMON Equities 254687106   202,628 1,656 SH   SOLE   1,625 0 31
WELLS FARGO & CO Equities 949746101   357,092 6,161 SH   SOLE   6,161 0 0